TERMS OF USE

LAST UPDATED September 25, 2014

PLEASE READ THESE TERMS OF USE (THE "TERMS OF USE" OR "AGREEMENT") CAREFULLY. THESE TERMS OF USE SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR
YOUR USE OF MYLIFECENTS.COM (THE "WEB SITE") AND THE SERVICE OFFERED THROUGH THE WEB SITE (THE "SERVICE").

1. MYLIFECENTS.COM Acceptance of Terms of Use

Welcome to MYLIFECENTS.COM a product of FELA, Inc. FELA, Inc. ("FELA" or "we") makes information, products, and services available to users ("User(s)" or
"you") of the Web Site, subject to the terms and conditions set forth in these Terms of Use. These Terms of Use apply to any updates, enhancements, new
features, Web Site forums, widgets, and new web properties provided to you in connection with the Web Site. In order to use the Service, you must first
register through the on-line registration process on the Web Site and become a member ("Member"). Regardless of whether you register as a Member or simply
view the Web Site, you agree to be bound by these Terms of Use.

FELA reserves the right to update or revise any part of these Terms of Use and the information, products, services, prices, and programs offered or
mentioned on the Web Site at any time, without notice. Any changes will be effective immediately upon the posting of the updated Terms of Use on the Web
Site. Accordingly, each time you visit the Web Site or use the Service you should check the date set forth above to determine whether an updated version
has been posted and to review any changes since your last visit.

By using the Web Site, you represent to FELA that you have read, understood, and agreed to all terms, conditions, and notices contained or referenced in
these Terms of Use and have agreed to have these Terms of Use provided to you in electronic form and consent to the collection, use and storage of your
information as outlined in FELA’s Privacy Policy.

IF YOU DO NOT AGREE TO THESE TERMS OF USE OR OBJECT TO ANYTHING IN THIS AGREEMENT OR MYLIFECENTS.COM'S PRIVACY POLICY, PLEASE DO NOT USE THE WEB SITE OR
THE SERVICE.

2. Eligibility and Permission to Use the Web Site

You must be at least thirteen (13) years of age to register as a Member of or otherwise use the Web Site and the Service. The Web Site and the Service are
not intended for parties under the age of thirteen (13). By using the Web Site and the Service you represent and warrant that (a) you are thirteen (13)
years or older, (b) any registration information you submit is truthful and accurate, (c) you will maintain the accuracy of such information, (d) your use
of the Web Site and the Service does not and will not violate any applicable law or regulation, and (e) you have the right, authority and capacity to enter
into this Agreement and to abide by all of the terms and conditions of this Agreement. Your use of the Web Site and the Service may be terminated at any
time without notice if we in our sole discretion believe that you are under thirteen (13) years of age. Membership in the Service is void where prohibited.

3. Fees and Billing

You agree to pay all fees and applicable taxes incurred by you or anyone using an Account registered to you. FELA may revise the pricing for the goods and
services it licenses to you through the Service at any time. YOU ACKNOWLEDGE THAT FELA IS NOT REQUIRED TO PROVIDE A REFUND FOR ANY REASON, AND THAT YOU
WILL NOT RECEIVE MONEY OR OTHER COMPENSATION SHOULD YOU CANCEL ANY FINANCIAL AGREEMENT FOR USE OF THE WEB SITE, WHETHER SUCH CLOSURE WAS VOLUNTARY OR
INVOLUNTARY.

4. Prohibited Activities

You may not use the Web Site or the Service for any other purpose than that for which FELA makes it available. FELA reserves the right in its sole
discretion to investigate, terminate your membership and take appropriate legal action if you violate this provision or otherwise misuse the Web Site or
the Service, or behave in a way which FELA regards as inappropriate or which is unlawful or illegal.

The following is a list of the type of actions that you may not engage in with respect to the Web Site or the Service:

Engage in any act that FELA deems to be in conflict with the spirit or intent of the Service, including but not limited to circumventing or
manipulating these Terms or policies.

Use the Service, intentionally or unintentionally, in connection with any violation of any applicable law or regulation, or do anything that promotes
the violation of any applicable law or regulation.

You shall not create an Account or access the Service if you are under the age of 13.

You shall monitor your Account to restrict use by minors, and you will deny access to children under the age of 13. You accept full responsibility for
any unauthorized use of the Web Site by minors in connection with your Account. You are responsible for any use of your credit card or other payment
instrument (e.g. PayPal and Facebook Credits) by minors.

You shall not have an Account or use the Web Site if you have previously been removed by FELA or previously been banned from using the Web Site.

You shall use your Account only for non-commercial purposes.

You will not use the Web Site or the Service for any illegal purpose, including engaging in any criminal or tortious activity, including without
limitation child pornography, fraud, trafficking in obscene material, drug dealing, gambling, harassment, stalking, spamming or theft of trade secrets.

Post any information that is abusive, threatening, obscene, defamatory, libelous, or racially, sexually, religiously, or otherwise objectionable or
offensive.

Attempt to, or harass, abuse, or harm, or advocate or incite harassment, abuse or harm of another person, group, including FELA employees, including
FELA’s customer service representatives.

You will not express or imply that any statements you make are endorsed by FELA without our specific prior written consent.

You will not use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, "data mine",
or in any way reproduce or circumvent the navigational structure or presentation of the Web Site or the Service or its contents.

You will not post, distribute or reproduce in any way any copyrighted material, trademarks, or other proprietary information unless under fair use or
without obtaining the prior consent of the owner of such proprietary rights. You will not remove any copyright, trademark or other proprietary rights
notices contained in the Web Site or the Service.

You will not interfere with or disrupt the Web Site or the Service or the servers or networks connected to the Web Site or the Service.

You will not post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to
interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

You will not forge headers or otherwise manipulate identifiers in order to disguise the origin of any information transmitted through the Web Site or
the Service.

You will not "frame" or "mirror" any part of the Service or the Web Site, or otherwise take elements of the Web Site and reformat or display them,
without FELA's prior written authorization. You also shall not use meta tags or code or other devices containing any reference to FELA or the Web Site
or the Service in order to direct any person to any other web site for any purpose.

You will not modify, adapt, sublicense, translate, sell, reverse engineer, decipher, decompile or otherwise disassemble any portion of the Web Site or
the Service or any software used on or for the Web Site or the Service or cause others to do so.

You will not collect or gather other people's personal information (including account information) from the Web Site or the Service.

You will not use meta tags or any other "hidden text" utilizing any of our or our suppliers' product names or trademarks.

You will not solicit, for commercial purposes, any users of the Web Site.

4.1 Collection and Publication of Personal Information

You agree that you will not, under any circumstances:

Solicit or attempt to solicit personal information from other users of the Service;

Upload or transmit or attempt to upload or transmit, without FELA’s express permission, any material that acts as a passive or active information
collection or transmission mechanism, including, without limitation, clear graphics interchange formats ("gifs"), 1x1 pixels, web bugs, cookies or
other similar devices (sometimes referred to as "spyware," "passive collection mechanisms" or "pcms").

5. Non-commercial Use by Members

The Web Site is for the use of individual Members only, whether for personal use or use on behalf of an entity, and may not be used in connection with any
commercial endeavors, unless approved in advance in writing by an authorized representative of FELA.

6. Accounts; Account Security; Passwords

You may need to set up an account in order to use some of the features of the Web Site. When creating or updating an Account on the Web Site, you may be
required to provide FELA with certain personal information, which may include your name, birth date, e-mail address, and, in some cases, payment
information. This information will be held and used in accordance with FELA's Privacy Policy and relevant provided at the point of information collection
or use. You agree that you will supply accurate and complete information to FELA, and that you will update that information promptly after it changes.

You may not use someone else's account without permission. When you are setting up your account, you must give us accurate and complete information. This
means that you cannot set up an account using someone else's name or contact information, or a phony name or phony contact information.

During the Account creation process, you may be required to select a password. You have complete responsibility for your account and everything that
happens on your account. You are responsible for maintaining the confidentiality of the username and password that you designate during the registration
process, and you are fully responsible for all activities that occur under your username and password. This means you need to be careful with your password
and ensure that you exit from your account at the end of each session. If you find out that someone is using your user name or password without your
permission, or if you lose your password you should contact us immediately at support@myFELA.com.

FELA will not be liable for any loss or damage arising from your failure to comply with this provision. You should use particular caution when accessing
your account from a public or shared computer so that others are not able to view or record your password or other personal information. If you share your
computer with others, you may wish to consider disabling your auto sign-in feature. You may not transfer your account to someone else. We are not liable
for any damages or losses caused by someone using your account without your permission.

NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, YOU ACKNOWLEDGE AND AGREE THAT YOU SHALL HAVE NO OWNERSHIP OR OTHER PROPERTY INTEREST IN AN ACCOUNT, AND
YOU FURTHER ACKNOWLEDGE AND AGREE THAT ALL RIGHTS IN AND TO AN ACCOUNT ARE AND SHALL FOREVER BE OWNED BY AND INURE TO THE BENEFIT OF FELA. GENERALLY,
ACCOUNTS CREATED WITH FELA WILL BE CONSIDERED ACTIVE UNTIL WE RECEIVE A USER REQUEST TO DEACTIVATE OR DELETE THEM; HOWEVER, WE RESERVE THE RIGHT TO
TERMINATE ANY ACCOUNT THAT HAS BEEN INACTIVE FOR 180 DAYS.

7. Badges and Rewards Points

If you are a Member of the Web Site, you may have the opportunity to earn badges, reward points, and other incentives (collectively, “virtual currency”)
that can be redeemed on the Web Site in order to gain access to certain special offers and services made available through the Web Site.

You agree that all virtual currencies will be forfeited if your account is terminated for any reason, or if we discontinue providing the Service on the Web
Site. You agree that you have no property interest, right or title in or to the virtual currencies appearing or originating through the Service. Badges,
rewards points, and other incentives are not gift certificates.

We do not recognize transfers of virtual currencies or the purported sale, gift or trade in the "real world" of anything related to the virtual currency or
the Service. Accordingly you may not buy or sell reward points for "real world" money or otherwise exchange items for value. Any attempt to do so is in
violation of these Terms of Use and will result in the termination of your account.

8. Your Interactions with Other Members

You are solely responsible for your interactions with other Members. FELA reserves the right, but has no obligation, to monitor disputes between you and
other Members. You understand that FELA does not in any way screen its Members, nor does FELA inquire into the backgrounds of its Members or attempt to
verify the statements of its Members. FELA makes no representations or warranties as to the conduct of Members or their compatibility with any current or
future Members.

9. Term

This Agreement shall remain in full force and effect while you use the Web Site or the Service. You may terminate your Web Site account at any time, for
any reason, by contacting us at support@myFELA.com or following the instructions on the Web Site. Upon termination of your account for any reason, we will
close your account and you shall no longer be entitled to access the Web Site or the Service as a Member.

WITHOUT LIMITING ANY OTHER PROVISION OF THIS AGREEMENT, FELA RESERVES THE RIGHT, IN ITS SOLE DISCRETION, AND WITHOUT NOTICE OR LIABILITY, TO LIMIT,
SUSPEND, TERMINATE, MODIFY, OR DELETE ACCOUNTS OR TO DENY ACCESS AND USE OF THE WEB SITE OR THE SERVICE TO YOU OR ANY OTHER PERSON FOR ANY REASON OR FOR NO
REASON AT ALL, INCLUDING WITHOUT LIMITATION, FOR BREACH OF ANY REPRESENTATION, WARRANTY OR COVENANT CONTAINED IN THIS AGREEMENT, OR VIOLATION OF ANY
APPLICABLE LAW OR REGULATION. YOU CAN LOSE YOUR USER NAME AND PERSONA AS A RESULT OF ACCOUNT TERMINATION OR LIMITATION, AS WELL AS ANY BENEFITS,
PRIVILEGES, EARNED ITEMS AND PURCHASED ITEMS ASSOCIATED WITH YOUR USE OF THE SERVICE, AND FELA IS UNDER NO OBLIGATION TO COMPENSATE YOU FOR ANY SUCH LOSSES
OR RESULTS.

WITHOUT LIMITING OUR OTHER REMEDIES, WE MAY LIMIT, SUSPEND OR TERMINATE THE SERVICE AND USER ACCOUNTS OR PORTIONS THEREOF, PROHIBIT ACCESS TO OUR GAMES AND
SITES, AND THEIR CONTENT, SERVICES AND TOOLS, DELAY OR REMOVE HOSTED CONTENT, AND TAKE TECHNICAL AND LEGAL STEPS TO PREVENT USERS FROM ACCESSING THE
SERVICE IF WE BELIEVE THAT THEY ARE CREATING RISK OR POSSIBLE LEGAL LIABILITIES, INFRINGING THE INTELLECTUAL PROPERTY RIGHTS OF THIRD PARTIES, OR ACTING
INCONSISTENTLY WITH THE LETTER OR SPIRIT OF OUR TERMS OR POLICIES. ADDITIONALLY, WE MAY, IN APPROPRIATE CIRCUMSTANCES AND AT OUR SOLE DISCRETION, SUSPEND
OR TERMINATE ACCOUNTS OF USERS WHO MAY BE REPEAT INFRINGERS OF THIRD PARTY INTELLECTUAL PROPERTY RIGHTS.

FELA reserves the right to stop offering and/or supporting the Service or part of the Service at any time either permanently or temporarily, at which point
your license to use the Service or a part thereof will be automatically terminated or suspended. In such event, FELA shall not be required to provide
refunds, benefits or other compensation to users in connection with such discontinued elements of the Service.

Termination of your Account can include disabling your access to the Service or any part thereof including any content you submitted or others submitted.
You may cancel any Account registered to you at any time by following the instructions at mylifecents.com.

10. Grant of a Limited License to Use the Service

Except as may be otherwise indicated on the Web Site, FELA hereby grants you a fully revocable, non-exclusive license to access and use the Service using a
FELA supported web browser (such as Mozilla Firefox or Microsoft Internet Explorer) or mobile device solely for your own non-commercial entertainment
purposes. You agree not to use the Service for any other purpose.

Use content and other information available on the Web Site is subject to the following terms and conditions:

The document or information may be used (by you or any third party to whom you distribute it) solely for informational, personal, and non-commercial
purposes.

You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or re-sell
information, software, products, or services that you obtain from the Web Site, except with FELA's express written permission.

All copyright or other proprietary notices that appear on the web page(s) from which you take the document or information, including from these Terms
of Use, must appear on any copy of the document or portion that you make or distribute.

FELA reserves the right to revoke the foregoing license at any time. You agree that you and any person to whom you distribute the document or information
will immediately discontinue any use of the document or information upon notice of revocation.

10.1. Accessing the Service

By accessing or using the Service, including browsing any FELA website, you accept and agree to these Terms of Service and the Privacy Policy. You may also
be required to register an account on the Service (an "Account"), have a valid account on the social networking service ("SNS") through which you connect
to the Service, if any, or have an account with the applications provider for your mobile device. You warrant that you are not prohibited from receiving
products of U.S. origin, including services or software.

You must provide all equipment and software necessary to connect to the Service, including, but not limited to, a personal computer or mobile device that
is suitable to connect with and use the Service, in cases where the Service offers a mobile component.

You are responsible for any fees, including internet connection or mobile fees that you incur when accessing the Service.

11. Modifications to Service

FELA reserves the right at any time to modify or discontinue, temporarily or permanently, the Web Site or the Service (or any part thereof) with or without
notice. You agree that FELA shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Web Site or the
Service.

12. Blocking of IP Addresses

In order to protect the integrity of the Website or the Service, FELA reserves the right at any time in its sole discretion to block Users from accessing
the Web Site if they connect to the Web Site from certain IP addresses.

13. Intellectual Property Ownership

FELA owns and retains all proprietary rights in and to the content of the Web Site and the Service (the "Content"), and has a license to use all material
posted by you and the other Members as discussed below. The Content includes the copyrighted material, information, products, services, trademarks, and
other proprietary information included in or available through the Web Site, including the images, text, databases, software, code, sound, photos, custom
graphics, button icons, the collection, compilation, assembly, and the overall look and distinctiveness of the Web Site, which constitutes trade dress and
is the property of FELA and its licensors. Except for that information which is in the public domain, is considered fair use, or for which you have been
given written permission, you may not copy, modify, publish, transmit, distribute, perform, display, or sell any of the Content.

The trade dress of FELA is protected by law and may not be copied or imitated in whole or in part. Logos, graphics, sounds, and images from the Web Site
may NOT be copied or retransmitted unless expressly permitted by FELA.

Opinions, advice, statements, offers, or other information or content made available through the Service, but not directly by FELA, are those of their
respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. FELA does not: (a) guarantee the
accuracy, completeness, or usefulness of any information on the Service, or (b) adopt, endorse or accept responsibility for the accuracy or reliability of
any opinion, advice, or statement made by any party that appears on the Web Site. Under no circumstances will FELA or its affiliates be responsible for any
loss or damage resulting from your reliance on information or other content posted on the Web Site or the Service or transmitted to or by any Members.

14. User Content

You are solely responsible for any User Content you post to the Web Site, its accuracy, and the consequences of posting or publishing it. By "User Content"
we mean any information, data, text, software, music, sound, photos, graphics, videos, messages, tags, chat text interactive features, or any other
materials you submit or post to the Web Site, including without limitation, any Web Site forums. By "post" we mean posting, uploading, sharing, submitting
or otherwise providing User Content in any manner in connection with the Web Site.

Information, materials, products or services provided by other users (for instance, in their profiles) may, in whole or in part, be unauthorized,
impermissible or otherwise violate these Terms of Service, and FELA assumes no responsibility or liability for this material. If you become aware of misuse
of the Service by any person, please contact us at Customer Support or support@myFELA.com.

FELA may reject, refuse to post or delete any User Content for any or no reason, including, but not limited to, User Content that in the sole judgment of
FELA may violate these Terms of Service.

FELA reserves the right to limit the storage capacity of User Content that you post on, through or in connection with the Service.

14.1 Disclosure

Your information, and the contents of all of your online communications (including without limitation chat text, voice communications, IP addresses and
your personal information) may be accessed and monitored as necessary to provide the Service and may be disclosed: (i) when We have a good faith belief
that We are required to disclose the information in response to legal process (for example, a court order, search warrant or subpoena); (ii) to satisfy any
applicable laws or regulations (iii) where We believe that the Service is being used in the commission of a crime, including to report such criminal
activity or to exchange information with other companies and organizations for the purposes of fraud protection and credit risk reduction; (iv) when We
have a good faith belief that there is an emergency that poses a threat to the health and/or safety of you, another person or the public generally; and (v)
in order to protect the rights or property of FELA, including to enforce our Terms of Service. By entering into these Terms of Service, you hereby provide
your irrevocable consent to such monitoring, access and disclosure.

15. Restrictions on User Content and Content Screening

You may not:

submit User Content that you don't have the right to submit, unless you have the owner's permission; this includes material covered by someone else's
copyright, patent, trade secret, privacy, publicity, or any other proprietary right;

forge headers or manipulate other identifiers in order to disguise the origin of any User Content you submit;

submit any User Content that contains lies, falsehoods or misrepresentations that could damage us or anyone else;

submit User Content that is illegal, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or
encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate;

transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of
solicitation;

impersonate anyone else or lie about your affiliation with another person or entity;

upload, launch, post, email or transmit any material (including any bot, worm, scripting exploit or computer virus) that is likely to harm or corrupt
the Web Site or the Service, or harm or corrupt our or anyone else's computer systems, or data;

use the Web Site or the Service to harm minors in any way, including posting User Content that violates child pornography laws, child sexual
exploitation laws, or any other laws protecting children; or

submit User Content which disparages us or our partners, Providers, vendors or affiliates.

We have the sole right, but not necessarily the obligation, to delete at any time any User Content that violates these rules or that we believe to be
inappropriate for any reason as well as to deactivate your account with FELA.

You are entirely responsible for all User Content you post or otherwise transmit via the Service. FELA assumes no responsibility for the conduct of any
user submitting any User Content, and assumes no responsibility for monitoring the Service for inappropriate or illegal content or conduct.

We have no obligation to monitor User Content. If We choose at any time, in our sole discretion, to monitor the Service, We have the right, in our sole
discretion, to edit, refuse to post, or remove any User Content and We may monitor and/or record your interaction with the Service or communications
(including without limitation chat text and voice communications) when you are using the Service. By entering into these Terms of Service, you hereby
provide your irrevocable consent to such monitoring and recording.

16. Intellectual Property Rights in User Content

By posting your User Content, you thereby grant us a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, fully-paid, sub-licenseable and
transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the Web Site or
the Service and our business, in any media formats or in tangible form and through any media channels now known or hereinafter developed. You also grant
each other user of the Web Site a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, fully-paid, sub-licenseable and transferable license to
access your User Content through the Web Site, and to use, reproduce, distribute, prepare derivative works of, display and perform your User Content as
permitted through the functionality of the Web Site and under these Terms of Use.

The Service may include various forums, blogs and chat features where you can post User Content, including your observations and comments on designated
topics. FELA cannot guarantee that other members will not use the ideas and information that you share. Therefore, if you have an idea or information that
you would like to keep confidential and/or don’t want others to use, do not post it on the Service. FELA shall have no responsibility to evaluate, use or
compensate you for any ideas or information you may choose to submit.

If you submit suggestions, proposals, comments or other materials (collectively “Submissions”) within the Service you understand and agree that FELA (1)
shall have no obligation to keep your Submissions confidential; (2) shall have no obligation to return your Submissions or respond in any way; and (3) may
use your Submissions for any purpose in any way without notice or compensation to you.

FELA IS NOT RESPONSIBLE FOR A MEMBER’S MISUSE OR MISAPPROPRIATION OF ANY CONTENT OR INFORMATION YOU POST IN ANY FORUMS, BLOGS AND CHAT ROOMS.

17. Guidelines on Web Site Forums

You agree to the following terms regarding participation in any Web Site forums:

Any User Content you provide on any Web Site forums must be relevant to forum topic.

Any subject line you provide should accurately reflect the subject of the thread.

All User Content must be provided in the relevant forum sections.

Any moderating of the Web Site forums and/or any actions taken with respect to forum content are at the sole discretion of FELA.

18. No Financial Recommendations or Advice

Neither the Web Site nor the Service is intended to provide personalized financial, legal or tax advice. The information provided is for general
informational and general educational purposes only, is broad in scope, impersonal and not attuned to any specific portfolio or the investment needs of any
specific person. The information provided is not intended to represent results you should expect in the future, and FELA cannot and does not guarantee the
accuracy, completeness, timeliness or reliability of, or otherwise endorse, any information, opinions and/or recommendations provided on or through the Web
Site. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your specific
situation. Accordingly, before making any final decisions or implementing any financial strategy, you should obtain additional information and advice from
your financial, legal and/or tax advisers who are fully aware of your individual circumstances. In addition, nothing on the Service should be construed as
an offer to sell, or a solicitation of an offer to buy a security, a recommendation for any product or service by FELA or any associated third party, or a
suggestion regarding the purchase, holding or sale of securities.

19. Privacy Policy

Your privacy is important to us. Use of the Service is also governed by FELA's Privacy Policy, which is incorporated herein by reference. We designed
FELA's Privacy Policy to make important disclosures about how We collect and use your content and information and how you can use the Service to share such
information with others. We encourage you to read the FELA Privacy Policy carefully and use it to make informed decisions.

FELA reserves the right, at our discretion, to change, modify, add or remove portions of these Terms of Service and its Privacy Policy at any time by
posting the amended Terms on or within the Service. You may also be given additional notice, such as an e-mail message or messaging within the Service, of
any changes. You will be deemed to have accepted such changes by continuing to use the Service. Except as otherwise stated, all amended terms shall
automatically be effective 30 days after they are initially posted. FELA may also revise other policies, codes or rules at any time, and the new versions
will be available at mylifecents.com or in the Service. No amendment to the Terms of Service or Privacy Policy shall apply to any dispute of which FELA
had actual notice before the date of the amendment.

This agreement may not be otherwise amended except in a writing hand signed by you and Us. For purposes of this provision, "writing" does not include an
e-mail message and a signature does not include an electronic signature.

If at any point you do not agree to any portion of the then-current version of our Terms of Service, the FELA Privacy Policy, or any other FELA policy,
rules or codes of conduct relating to your use of the Service, your license to use the Service shall immediately terminate and you must immediately stop
using the Service.

To the extent the Terms of Service or FELA Privacy Policy conflict with any other FELA terms, policy, rules or codes of conduct, the terms contained in
these Terms of Service and in the FELA Privacy Policy shall govern

20. Products and Service Providers

FELA provides you with access to third-party providers ("Providers") solely for your convenience. Some of these Provider sites may be co-branded (i.e.,
bear the name and/or logo of both the Provider and FELA). The provision of access to a Provider does not signify an endorsement by FELA of the Provider's
web site or the services offered by that Provider. FELA has no control over, does not review, and cannot be responsible for Provider web sites or the
content on those sites. Your use of a Provider web site, or services will be subject to the Provider's terms of use and Provider's privacy policy. If you
decide to use the services of a Provider, or if you decide to purchase a product from a Provider, any transaction between you and that Provider (including
any agreement governing such a transaction) will be strictly between you and the Provider. FELA has no control over the Provider's obligations to you, and
makes no representations or warranties with respect to the Provider's performance. It is your responsibility to take precautions to ensure that Provider
web sites are free of viruses or other items of a destructive nature.

YOU AGREE THAT FELA WILL NOT BE RESPONSIBLE OR LIABLE FOR LOSS OR DAMAGE YOU MAY INCUR AS THE RESULT OF A TRANSACTION YOU ENTER INTO WITH A PROVIDER, ANY
INFORMATION YOU PROVIDE TO A PROVIDER, A PROVIDER'S COMPLIANCE WITH LAW, OR A PROVIDER'S MISUSE OF YOUR INFORMATION.

21. Third-Party Advertisers

FELA may run advertisements and promotions from third parties on the Web Site. Your business dealings or correspondence with, or participation in
promotions of, advertisers other than FELA, and any terms, conditions, warranties or representations associated with such dealings, are solely between you
and such third party. FELA is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of
the presence of third-party advertisers on the Web Site.

22. Links

The Web Site or the Service may provide, or third parties may provide through the Web Site or Service, links to other World Wide Web sites or resources.
Because FELA has no control over such sites and resources, you acknowledge and agree that FELA is not responsible for the availability of such external
sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from
such sites or resources. You further acknowledge and agree that FELA shall not be responsible or liable, directly or indirectly, for any damage or loss
caused or alleged to be caused by or in connection with the use of, or reliance upon, any such content, goods or services available on or through any such
site or resource.

23. Policy on Linking to the FELA Web Site

You are granted a limited, non-exclusive right, which we may revoke at any time, to create a hypertext link to the Web Site. If you exercise this limited,
non-exclusive right, however, you must agree to the following:

You will not portray FELA, its affiliates or Providers or their respective products and services in a false, misleading, offensive, derogatory, or
otherwise defamatory manner.

You will not misrepresent your relationship with FELA or imply that FELA sponsors, endorses, or is affiliated with any web site or products.

You will not replicate, modify, or alter the appearance or content of the Web Site.

You will not use, frame, or utilize framing techniques to enclose FELA trademark, logo, or other proprietary information, the images found on the Web
Site, the content of any text, or the layout and design of any page or form contained on a page on the Web Site without the express prior written
consent of FELA.

Furthermore, a site that links to the Web Site: (a) Must not contain content that could be construed as obscene, libelous, defamatory, pornographic, or
inappropriate for all ages; and (b) Must not contain materials that would violate any laws.

If you exercise this limited, non-exclusive right to create a hypertext link to the Web Site, you agree that the link may be removed at any time, upon
FELA's request, pursuant to FELA's reserved right to rescind its consent to allow the link.

24. Copyright Policy

You may not post, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information unless under fair use or
without obtaining the prior written consent of the owner of such proprietary rights.

Without limiting the foregoing, if you believe that your work has been copied and posted on the Web Site or the Service in a way that constitutes copyright
infringement, please provide our Copyright Agent, pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512(c)), with the following information:

an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

a description of the copyrighted work that you claim has been infringed;

a description of where the material that you claim is infringing is located on the Web Site;

your address, telephone number, and email address;

a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or
authorized to act on the copyright owner's behalf.

To ensure that FELA provides a high-quality experience for you and other users of the Web Site, you acknowledge and agree that FELA or its representatives
may, but are not obligated to, investigate complaints, allegations of abuse, infringement of third-party rights, or other unauthorized uses of the Web
Site. FELA is not required to disclose such an investigation unless required to do so by law. FELA will cooperate fully with any law enforcement agencies
in their investigation of the violation of any applicable laws.

We respect the intellectual property rights of others. You may not use the Web Site to infringe anyone else's copyright or other intellectual property
right. If we find out that you are infringing, we will remove your User Content. We do not have to give you notice that we are removing your User Content.
We may also terminate your account if we decide that you are a repeat infringer. We consider a repeat infringer to be a user who has been notified of
infringing activity more than twice or who has had User Content removed from the Web Site more than twice.

26. Disclaimer of Warranties

THE WEB SITE, THE CONTENT, THE SERVICE AND ANY OTHER MATERIALS OR ITEMS PROVIDED THROUGH THE WEB SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE." FELA
DISCLAIMS ALL EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTIES, AND CONDITIONS, INCLUDING IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. NEITHER FELA NOR ITS LICENSORS MAKE ANY REPRESENTATIONS, WARRANTIES, OR GUARANTIES AS TO THE
QUALITY, RELIABILITY, SUITABILITY, TRUTH, ACCURACY, OR COMPLETENESS OF THE WEB SITE CONTENT. FELA DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THE WEB
SITE ITSELF OR ANY PRODUCT OR SERVICE OFFERED THROUGH THE WEB SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR FROM ANY PARTICULAR LOCATION OR THAT ANY
DEFECTS OR ERRORS WILL BE CORRECTED. THE WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. YOUR USE OF THE WEB SITE IS SOLELY AT YOUR RISK.

ALTHOUGH FELA STRIVES TO PROVIDE INFORMATION THAT CONSUMERS MAY FIND HELPFUL, THIS INFORMATION SHOULD NOT BE CONSIDERED CREDIT OR LEGAL ADVICE. YOU SHOULD
NOT USE THE GENERAL INFORMATION PROVIDED ON THE WEB SITE AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT PROFESSIONAL.

SOME STATES OR OTHER JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. YOU ALSO MAY HAVE OTHER
RIGHTS, WHICH MAY VARY FROM STATE TO STATE AND JURISDICTION TO JURISDICTION.

27. Limitation of Liability

EXCEPT IN JURISDICTIONS WHERE SUCH PROVISIONS ARE RESTRICTED, YOU UNDERSTAND AND AGREE THAT IN NO EVENT WILL FELA BE LIABLE FOR ANY INDIRECT, INCIDENTAL,
SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES INCLUDING LOST PROFITS, EVEN IF FELA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING
FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, INABILITY TO USE, OR RELIANCE ON THE WEB SITE OR ANY PRODUCTS OR SERVICES OBTAINED THROUGH THE WEB
SITE INCLUDING WITHOUT LIMITATION, BODILY INJURY, EMOTIONAL DISTRESS, AND/OR ANY OTHER DAMAGES RESULTING FROM COMMUNICATIONS OR MEETINGS WITH OTHER MEMBERS
OR PERSONS YOU MEET THROUGH THE WEB SITE OR THE SERVICE.

NOTWITHSTANDING ANY OTHER PROVISION OF THESE TERMS OF USE, FELA'S ENTIRE LIABILITY TO YOU SHALL NOT EXCEED THE LESSER OF $1,000 OR THE AMOUNT PAID, IF ANY,
BY YOU TO FELA FOR THE SERVICE DURING THE TERM OF YOUR MEMBERSHIP. FOR THOSE JURISDICTIONS THAT EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE
EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS, THIS LIMITATION SHALL BE CONSTRUED TO PERMIT THE MAXIMUM EXCLUSION OR LIMITATION
PERMITTED BY APPLICABLE LAW.

28. Indemnity by You

You agree to indemnify and hold FELA, its subsidiaries, affiliates, officers, agents, and other partners and employees, harmless from any loss, liability,
claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of your use of the Web Site or the Service in
violation of this Agreement and/or arising from a breach of this Agreement.

29. Scope

These Terms of Use apply to the Web Site and the Service, and are in addition to the specific terms and conditions associated with the products and
services on the Web Site and the Service. If these Terms of Use are not consistent with the specific terms that apply to the information, products, or
services offered on the Web Site, then the specific terms that apply to that information, those products, or those services will apply.

30. Reservation of Rights

Any rights not expressly granted in these Terms of Use are reserved by FELA, and FELA reserves the right to seek all remedies available by law and in
equity for any violation of these Terms of Use.

31. Severability and Integration

Unless otherwise specified in these Terms of Use, this agreement constitutes the entire agreement between you and FELA with respect to the Web Site and
supersedes all prior or contemporaneous communications and proposals (whether oral, written, or electronic) between you and FELA with respect to the Web
Site. If any part of these Terms of Use is held invalid or unenforceable, that portion will be construed in a manner consistent with applicable law to
reflect, as nearly as possible, the original intentions of the parties, and the remaining portions will remain in full force and effect.

32. Governing Law and Jurisdiction

You agree that all matters relating to your access to, or use of, the Web Site, and all matters relating to these Terms of Use (collectively, "Claims") or
any arising out of the Web Site and/or the Service, by using the Web Site, will be governed by the laws of the State of Virginia, which will apply in all
respects, including statutes of limitation. No choice of law rules of any jurisdiction will apply to nullify this choice of Virginia law.

33. Arbitration

All Claims will be settled by binding arbitration in accordance with the Comprehensive Arbitration Rules and Procedures of JAMS (see http://www.jamsadr.com/rules/comprehensive.asp). The arbitrator shall have
authority to award both legal and equitable relief (including interim injunctive and other appropriate equitable relief by an arbitrator administratively
appointed for that purpose) consistent with these Terms of Use and to award costs and legal fees to the prevailing party. The place of the arbitration will
be in Richmond, VA. You agree that, regardless of any statute or law to the contrary, any Claims must be filed within one year after the Claims or cause of
action arose or they will be forever barred.

34. No Third Party Beneficiaries

You agree that, except as otherwise expressly provided in this Agreement, there shall be no third party beneficiaries to this Agreement.

35. General

FELA's failure to exercise or enforce any right or provision of these Terms of Use will not constitute a waiver of that right or provision. The section
titles in these Terms of Use are for convenience only and have no legal or contractual effect.

36. Other

FELA is a trademark of FELA. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property
of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or
otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by FELA. Please contact us at info@myFELA.com with any questions
regarding this Agreement.